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Pet Insurance Cost
How Much Does Pet Insurance Cost?
How Do Companies Calculate Cost?
There are 4 major factors that determine how much pet insurance will cost for your pet.
Generally speaking pure breed dogs and cats are slightly more expensive than mixed breed's. This is because purebreds are more susceptible to hereditary conditions. Hereditary disorders like hip dysplasia and cancer are some of the most common and expensive issues to treat.
Just like humans, older dogs and cats are expensive to insure because they are more susceptible to illnesses and accidents. You can get a pet insurance policy for any age pet but the cost will be higher the older your pet is. This is why we encourage pet owners to purchase plans while their dogs and cats are young.
3. Zip Code
Veterinary surgery in New York City costs almost twice as much as Lincoln, Nebraska. And because pet insurance companies pay based on your actual vet bills they charge more in expensive zip codes like New York.
There is a wide range of pet insurance coverage options from accident-only to full accident, illness and routine care plans. The more coverage you purchase the more expensive your policy will be. You can also choose a deductible and reimbursement rate to meet your budget. You can save money by choosing a higher deductible and lower reimbursement rate.
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Pet insurance pays up to 90% for veterinary treatment when your dog or cat gets sick or injured.